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Figure 1 shows the evolution of the total number of ATMs in Belgium since 1979. The ATM  network has grown nearly linearly during the eighties to reach maturity in the early nineties;  during that time the size of the banks’ branch networks remained more o
Table 2 provides precise deinitions of our variables, and Table 3 presents summary statistics  for the cross-section of 659 non-urban markets, and the subsample of 310 markets with at least  one ATM
Table 5 shows the results. We focus mainly on the regression for ln Q A  in the irst part of the  table
Table 6 shows the parameter estimates. The parameter  α is estimated to be highly signiicant  in both the speciication without and with market characteristics inluencing   __ Q
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